$85.88

-1.14 (-1.31%)

Weekly Expected Move ±4.0%

$79 $82 $86 $89 $93

NYSE · Financial Services · Financial - Mortgages · Alpha Radar Strong Sell · Power 40 · $4.5B mcap · 50M float · 1.25% daily turnover · Short 54% of daily vol

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$4.4B +173.8% ▲

5Y CAGR: +2.0%

Gross Profit

$4.0B +156.4% ▲

5Y CAGR: +7.6%

Operating Income

$1.5B +67.8% ▲

5Y CAGR: -7.6%

Net Income

$501M +60.9% ▲

5Y CAGR: -21.2%

EPS (Diluted)

$9.30 +59.2% ▲

5Y CAGR: -15.0%

EBITDA

$1.5B +219.5% ▲

5Y CAGR: -7.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$3.6B	$2.3B	$2.0B	$1.6B	$4.4B
YoY Growth	-8.6%	-42.4%	+0.7%	-42.0%	+173.8%
Cost of Revenue	$1.4B	$1.0B	$1.2B	$38M	$375M
Gross Profit	$2.1B	$1.3B	$847M	$1.6B	$4.0B
Gross Margin	59.9%	56.3%	41.6%	97.6%	91.4%
R&D Expenses	$0	$0	$0	$150M	$0
SG&A Expenses	$461M	$338M	$238M	$655M	$829M
Operating Expenses	$774M	$618M	$493M	$655M	$2.5B
Operating Income	$1.4B	$689M	$354M	$901M	$1.5B
Operating Margin	38.2%	29.7%	17.4%	56.5%	34.6%
Interest Expense	$0	$0	$0	$819M	$961M
Income Before Tax	$1.4B	$665M	$184M	$401M	$551M
Tax Expense	$356M	$190M	$39M	$90M	$50M
Net Income	$1.0B	$476M	$145M	$311M	$501M
Net Margin	28.2%	20.5%	7.1%	19.5%	11.5%
EPS (Diluted)	$14.87	$8.50	$2.74	$5.84	$9.30
EBITDA	$1.4B	$739M	$424M	$473M	$1.5B
Shares Outstanding	67M	56M	53M	53M	54M

Line Item	FY2024 Q2	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1
Revenue	$715M	$412M	$470M	$1.1B	$932M	$883M	$1.2B	$545M
Cost of Revenue	$363M	$17M	$10M	$383M	$448M	$470M	$113M	$14M
Gross Profit	$352M	$394M	$460M	$687M	$483M	$413M	$1.1B	$531M
Gross Margin	49.2%	95.8%	97.9%	64.2%	51.9%	46.8%	90.5%	97.4%
R&D Expenses	$0	$0	$41M	$0	$0	$0	$35M	$0
SG&A Expenses	$53M	$176M	$181M	$76M	$83M	$94M	$218M	$237M
Operating Expenses	$218M	$176M	$181M	$583M	$407M	$176M	$673M	$237M
Operating Income	$134M	$218M	$279M	$105M	$77M	$237M	$397M	$293M
Operating Margin	18.7%	52.9%	59.4%	9.8%	8.3%	26.8%	33.6%	53.8%
Interest Expense	$0	$218M	$228M	$0	$0	$231M	$263M	$221M
Income Before Tax	$134M	$94M	$129M	$104M	$76M	$236M	$134M	$105M
Tax Expense	$36M	$25M	$25M	$28M	-$60M	$55M	$28M	$22M
Net Income	$98M	$69M	$104M	$76M	$136M	$182M	$107M	$82M
Net Margin	13.7%	16.8%	22.2%	7.1%	14.6%	20.6%	9.0%	15.1%
EPS (Diluted)	$1.85	$1.30	$1.95	$1.42	$2.54	$3.37	$1.97	$1.53
EBITDA	$152M	$111M	$148M	$122M	$95M	$253M	$397M	$293M
Shares Outstanding	53M	53M	54M	54M	54M	54M	54M	54M

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